Who should be listed as a Named Insured?

WHO SHOULD BE LISTED AS A NAMED INSURED?

It is important to choose the correct Named Insured.  The Named Insured has special rights and duties that are explained in the General Rules of the Insurance policy wording. The Named Insured is responsible for paying insurance premiums, and cheques for claims paid will be made out to the Named Insured. The named insured must be a individual(s) or organization that can legally enter into a contract and process financial transactions.  

Typically, the Named Insured will be the same as the person(s) or organization hosting the event and renting the venue and equipment. Do not put the venue, venue owner, or vendors as the named insured. There is a separate field below for entering the venue information. Once you have purchased the policy, you will receive a blank certificate of insurance that you can use to add venues and vendors as additional insureds or loss payees to your policy, as needed.

Individuals

If you are applying as an individual, please list your full legal name in the Name Insured box. If you are applying on behalf of another individual, put their full legal name as the Named Insured.

Couples

If you are applying as a couple to be married, or on behalf of a couple, please list the full legal names of both individuals in the Name Insured box. 

Partnerships or Joint Ventures

If you are applying as a Partnership or Joint Venture, please list your full legal name and your partner’s or co-venture’s full legal name(s).

Trade Name/Unincorporated Companies  

If you are applying as a company that is not incorporated, please list your full legal name and your unincorporated company name by including the acronym dba (doing business as). 

e.g. “Jane Doe dba ABC Company”

Corporations

If you are applying as a Corporation, please list the full legal name of your corporation including the company’s designation (i.e. Inc. Ltd., LLC, Corp.)

Societies/Foundations/Registered Charities/Religious Organizations/Other Not-For-Profits

Provided the organization is a legal entity, enter the full legal name of the organization, as it would appear on a CRA tax statement.

e.g. “The Arts and Cultural Appreciation Society of Western Ontario”

Who is the Insurance Company that issues the policies?

The insurance company is Liberty Mutual Insurance Company. For over 105 years, Liberty Mutual has been delivering exceptional property and casualty insurance products to businesses and individuals. They are the third largest property and casualty insurer in North America.

Click here to visit their website: https://www.libertymutualgroup.com

 

Who is responsible for having liquor liability coverage for my event?

Businesses such as a restaurant, bar, club, conference centre or hotel where alcohol is sold or served must maintain primary liquor liability coverage.

Licenced caterers who serve alcohol, even when provided by the host of the event are required to maintain primary liquor liability.

Please be aware that there is no coverage afforded under this policy for claims arising from the operations or actions of your hired vendors. We recommend that you request certificates of insurance on behalf of all of your hired vendors (including caterers, bands).

Please note that primary liquor liability is not available through this program. This should be provided by your vendors or the venue.

If you are serving alcohol at your event, host liquor liability coveragecan be purchased. Host liquor liability: designed to cover your liability for alcohol-related claims that result from the serving of alcoholic beverages at social events such as a wedding or business party.

When does my coverage go in to effect?

If you choose to purchase your policy on the same day you want the policy to go into effect, the coverage begins at the time your confirmation email is received with the policy documents.  

If you purchase a policy for a future date, the coverage will begin at 12:01am on the date chosen.

Please note that the policy cannot be backdated.

What is the difference between Primary liquor liability coverage and Host liquor liability coverage?

The main difference between host liquor liability insurance and primary liquor liability insurance is whether or not the individual or company buying the insurance engages in the business of serving or distributing alcoholic beverages. 

Example: a bar, pub or restaurant would require primary liquor liability insurance, whereas someone who only wanted to “cover their bases” during a party or gala could get host liquor liability insurance.

HOST LIQUOR LIABILITY INSURANCE – CONSIDER IT FOR YOUR WEDDING

What is included in the Wedding Enhancement Package?

Wedding Enhancement Package Options: 

Cover

SILVER

GOLD

PLATINUM 

Cancellation up to:

$10,000

$15,000

$20,000

Rearrangement up to 75% of the original wedding cost in respect of rearrangement

$7,500

$10,000

$15,000

Wedding Attire:

$5,000

$7,500

$10,000

Wedding Presents:

$5,000

$7,500

$10,000

Wedding Rings:

$5,000

$7,500

$10,000

Wedding Flowers:

$5,000

$7,500

$10,000

Wedding Cake:

$5,000

$7,500

$10,000

Photography and Video:

$5,000

$7,500

$10,000

Failure of Suppliers:

$7,500

$10,000

$15,000

Transport:

$5,000

$7,500

$10,000

DEDUCTIBLE::

$250

$250

$250

PREMIUM

$50.00

$65.00

$80.00

 

WEDDING ATTIRE

Coverage for up to the amount stated on the binder of insurance issued online, if any wedding attire is lost or damaged within 48 hours before or after the wedding whilst in the Insureds possession.  The Insurer will cover the reinstatement or replacement of the wedding attire or dress hire charges that are necessarily incurred by the Insured.

What is not covered under this section:

  1. Any loss by theft not reported to the police within 24 hours of the loss being discovered
  2. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention
  3. Any claim received after 90 days from the date of loss

 

PRESENTS, RINGS, CAKE & FLOWERS

The Insurer will cover the Insured, following loss or damage to any wedding presents, wedding rings, wedding cake, attendants' presents or flowers during the period of 7 days prior to the wedding date shown on the individual binder of insurance online and up to 24 hours after the reception date shown on the individual binder of insurance issued online, whilst at the Insured’s home or at the reception location shown on the individual binder of insurance issued online or in transit between these locations. The Insurer will replace or will pay the reasonable cost of replacing such items or make good such damage up to the amount shown on the individual binder of insurance issued online.

What is not covered under this section:

  1. Any loss by theft not reported to the police within 24 hours of the loss being discovered;
  2. Loss or damage by theft or attempted theft of any wedding present left in any unattended vehicle, unless the property is left in the locked trunk of the vehicle, concealed from view and there is evidence of violent, visible and forcible entry thereto;
  3. Loss or damage by theft or attempted theft of any wedding present left unattended or kept in an unlocked room, while at the reception;
  4. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention.
  5. items of cash, which are lost or stolen

 

PHOTOGRAPHS & VIDEO

The Insurer will cover the Insured, up to the amount shown in the policy schedule, for all expenses necessarily incurred to retake the wedding photographs/video as a direct and necessary consequence of the following: Non-appearance on the wedding day for any reason of the professional photographer/professional video operator booked for the wedding;

  1. Loss of or damage to the original film, negatives or digital media by any cause before copies are made;
  2. Non-development of the original film, negatives or digital media. Cover also includes the original video produced by the professional camera operator

What is not covered under this section:

  1. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention

Coverage under this section will only apply if notification of the covered claim is provided to the Insurer within 7 days of the wedding date shown on the individual binder of insurance issued online. All retakes must take place within 30 days of the wedding date shown on the individual binder of insurance issued online.

 

FAILURE OF SUPPLIERS

The Insurer will cover the Insured, following any supplier booked to supply transport, accommodation, catering, photographs, flowers, wedding attire or any other wedding services ceasing trading because of bankruptcy, liquidation or any other formal insolvency proceeding, up to the amount shown in the policy schedule for the following:

  1. Irrecoverable deposits;
  2. Additional costs in arranging alternative equivalent services

What is not covered under this section:

  1. Any costs, which would have been incurred, had the original supplier not ceased trading
  2. Any amounts recoverable under Sections 3 or 5

 

TRANSPORT

The Insurer will cover the Insured, following the failure of any vehicle hire firm or any other person to provide wedding transport in accordance with any agreement or obligation with the Insured, including non-appearance or breakdown of or accident to the vehicle, up to the amount shown in the policy schedule for the following:

  1. Irrecoverable deposits
  2. Additional costs in arranging alternative equivalent services

What is not covered under this section:

  1. Contracts, which are not in writing
  2. Any costs, which would have been incurred, had the original supplier provided the agreed service
  3. Ownership or use of trampolines, bouncy castles or other inflatables
  4. Any liability incurred by the Insured more than 24 hours before or 24 hours after the wedding date

 

 

CANCELLATION OR CURTAILMENT & REARRANGEMENT

What is covered under this section:

Cancellation or Curtailment:  The Insurer will cover the Insured, up to the amount shown in the policy schedule, for any irrecoverable expenses incurred by you in respect of transport, accommodation, catering, photographs, flowers, wedding attire and services from any other suppliers booked but not used as a result of unavoidable and unexpected cancellation or curtailment of the wedding or reception made necessary by any cause beyond the Insureds control happening in the geographical limits, except as specifically excluded under What is not covered under this section or under the exclusions applying to the whole policy.

Rearrangement: The Insurer will cover the Insured for any extra costs of alternative wedding services incurred to avoid cancellation of the wedding or reception. The most the Insurer will pay for these additional costs is 75% of the cost of the original wedding cost, but never more than the monetary amount shown in the policy schedule.

What is not covered under this section

1. Any claim arising from:

(a)        the bride, groom or either civil partner's disinclination to

(b)       the death, injury, illness, compulsory quarantine, witness summons or jury service of any person(s) other than members of the wedding party

(c)        any illness of which the Insured were aware prior to purchasing this insurance

(d)       lack of funds to continue with the wedding or reception, apart       from redundancy of any member of the wedding party, which occurs after the date of issue of the policy and qualifies for payment under redundancy law

(e)       the bride or groom or either civil partner being required to be overseas for the purposes of his/her trade, profession or business if this requirement was known about prior to purchasing this insurance; or any other member of the wedding party or any wedding guest being required to be overseas for the purpose of     his/her trade, profession or business whether or not this was known or foreseeable prior to purchasing this insurance

2. Any claim arising directly or indirectly from injury, illness or death of any person caused by:

(a)        suicide or attempted suicide or self-inflicted injuries

(b)        pregnancy or childbirth unless the expected date of confinement is more than two months after the wedding date

(c)       the influence of drugs (unless they are prescribed by a qualified medical practitioner but not to treat drug addiction) or the effects of alcohol

(d)       any hazardous activity or feat such as flying (other than as a fare-paying passenger on a recognised commercial airline), sky-diving or sky-surfing, parachuting, driving or riding in any kind of official and/or organised racing competition, rally or trial, rock climbing or mountaineering normally involving the use of ropes or guide, potholing, bungee jumping, parascending, canyoning, hang gliding, and skin-diving involving the aid of breathing apparatus other than whilst accompanied by and under the instructions from a qualified instructor

3. Any expenses incurred (or agreed to be incurred) after the Insured knew of circumstances likely to lead to the Wedding or Reception having to be cancelled or curtailed.

4.  Any claim arising from nonattendance of wedding guests unless due to adverse weather conditions preventing at least 50% of the guests from attending

All subject to a $250 deductible

Click here to read to full policy wordings for terms, conditions and exclusions 

What is included in the Birthday Party / Bar/Bat Mitzvah / Anniversary Enhancement Package?

Cover

SILVER

GOLD

PLATINUM

Presents

$5,000

$7,500

$10,000

Flowers

$5,000

$7,500

$10,000

Photography and Video

$5,000

$7,500

$10,000

DEDUCTIBLE::

$250

$250

$250

Premium

$30.00

$40.00

$50.00

 

PRESENTS & FLOWERS

The Insurer will cover the Insured, following loss or damage to any  presents, attendants' presents or flowers during the period of 7 days prior to the event date shown on the individual binder of insurance online and up to 24 hours after the reception date shown on the individual binder of insurance issued online, whilst at the Insured’s home or at the reception location shown on the individual binder of insurance issued online or in transit between these locations. The Insurer will replace or will pay the reasonable cost of replacing

What is not covered under this section

  1. Any loss by theft not reported to the police within 24 hours of the loss being discovered;
  2. Loss or damage by theft or attempted theft of any  present left in any unattended vehicle, unless the property is left in the locked trunk of the vehicle, concealed from view and there is evidence of violent, visible and forcible entry thereto;
  3. Loss or damage by theft or attempted theft of any  present left unattended or kept in an unlocked room, while at the reception;
  4. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention.
  5. items of cash, which are lost or stolen

 

PHOTOGRAPHS & VIDEO

The Insurer will cover the Insured, up to the amount shown in the policy schedule, for all expenses necessarily incurred to retake the event photographs/video as a direct and necessary consequence of the following: Non-appearance on the event day for any reason of the professional photographer/professional video operator booked for the event;

  1. Loss of or damage to the original film, negatives or digital media by any cause before copies are made;
  2. Non-development of the original film, negatives or digital media. Cover also includes the original video produced by the professional camera operator

What is not covered under this section:

  1. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention

Coverage under this section will only apply if notification of the covered claim is provided to the Insurer within 7 days of the wedding date shown on the individual binder of insurance issued online. All retakes must take place within 30 days of the event date shown on the individual binder of insurance issued online

All subject to a $250 deductible

Click Here to read to full policy terms, limitations and exclusions

What is Host Liquor Liability Coverage? And do I need it?

If you’re not primarily engaged in the serving or distribution of alcoholic beverages as a business, but you still want to “cover your bases” during an event where alcohol is being served, you should consider getting Host liquor liability coverage.

Host liquor liability coverage is designed to cover your liability for alcohol-related claims that result from the serving of alcoholic beverages at social events such as a wedding or business party.

Host liquor liability insurance does not cover you if you are in the business of serving or distributing alcoholic beverages.

HOST LIQUOR LIABILITY INSURANCE – CONSIDER IT FOR YOUR WEDDING

What is considered hazardous activity?

Any events involving the following activities would not be insurable under this program:

  • Stunts;
  • Hang Gliding, Parasailing, Parachuting, Tobogganing, Luge, Go-Carts, Motorized Racing of any kind, Monster Truck Events, Skateboarding, Snowboarding, Skiing, Trampolines, Bungee Jumping, Zip Line, Waterslides, Hot Air Balloon rides, Sky Coaster, Roller Coasters, Rodeo, Mechanical Bulls or any similar activity;
  • Animals – this would include pettings zoos; dog shows; animal training; Pony rides or Hay rides
  • Pyrotechnics - which include, but are not limited to, explosions, flashes, smoke, flames, fireworks, and fire-crackers; explosions; aircraft; 
  • Watercraft – this includes events taking place on a boat; or any use of watercrafts for an event
  • Amusement Park devices, rides or games
  • Inflatable Attractions

What is Commercial General Liability?

This coverage is designed to protect against all sums up to the coverage limit that the insured shall become legally obligated to pay for bodily injury, property damage or personal injury to third parties arising out of the operations of the insured event.  It includes the cost of a lawyer to defend you.

Once coverage is purchased you will be provided a certificate that can be issued to your venue/location and vendors naming them as an additional insured.

Deductibles:

  • Each Occurrence: $500 for claims of Bodily Injury / Property Damage
  • Tennant Legal Liability: $500 Per Claim

This policy excludes liability arising out of the use of motor vehicles, aircraft or watercraft.

Click Here to read to full policy terms, limitations and exclusions

 

What is alcohol awareness training and certification?

Multiple Canadian provinces require that events that will be serving alcohol have the servers trained under a server training program. This is to ensure that servers are prepared to make informed choices when they sell, serve, or offer alcohol.

Regulations vary by province; see below:

  • BC: Serving it Right (mandatory for retailers, licensees, servers, and those serving liquor under a special occasion license)
  • Alberta: ProServe (mandatory for staff involved in the sale and service of liquor in licensed premises)
  • SK: Serve it Right (not mandatory)
  • MB: Smart Choices (mandatory for selling in licensed service or retail establishment)
  • Ontario: Smart Serve (mandatory for new liquor sales licence holders, including new licence applicants, licence transfer applicants and temporary transfer applicants intending to operate an establishment)
  • QC: Service in Action (not mandatory)
  • NS: It’s Just Good Business (not mandatory)
  • NB: Responsible Beverage (not mandatory)
  • PEI: Responsible Beverage (mandatory: licensees and their employees must be in possession of this training certificate prior to working in a licensed premise)
  • NL: Serve Responsible (not mandatory)

What if my vendors are not providing evidence of insurance?

Please be aware that there is no coverage afforded under this policy for claims arising from the operations or actions of your hired vendors. We recommend that you request certificates of insurance on behalf of all of your hired vendors (including caterers, bands).

What date should I choose for my coverage to end?

The policy will expire at 12:01 am on the day afteryou choose for your coverage end date. For example, if you choose May 1 as your event end date, the policy will expire on May 2 at 12:01am. Your event end date should be the last day you will need coverage. You can select up to 5 days per event. There is no additional charge for additional days, so if you are not certain when you will need your coverage to end, we recommend choosing the full 5 days of coverage. Please note, if you require a change to the policy start or end dates after the policy has been purchased, you may be subject to a minimum $25 change fee, so please choose a sufficient length of time when you first make your purchase

What are the Deductibles?

Rented Equipment Coverage: $500 Per Claim

Rented Tents/Marquees: $250 Per Claim

Wedding Enhansement Package Coverages: $250 Per Claim

Birthday Party / Bar/Bat Mitzvah / Anniversary Package Coverages: $250 Per Claim

Cancellation Coverage: None

General Liability:

  • Each Occurrence: $500 for claims of Bodily Insury / Property Damage
  • Tennant Legal Liability: $500 Per Claim

VIDEOS: how to add an additional insured to your policy

Check out these videos on how to add an additional insured to your policy:

How do I add an additional insured to my policy?

What does it mean to add an additional insured to my policy?

Should the vendors we hire have their own insurance?

Please be aware that there is no coverage afforded under this policy for claims arising from the operations or actions of your hired vendors. We recommend that you request certificates of insurance on behalf of all of your hired vendors (including caterers, bands).

Businesses such as a restaurant, bar, club, conference centre or hotel where alcohol is sold or served must maintain their own primary liquor liability coverage.

Rented Tents/Marquees - What does it cover?

TENTS / MARQUEES

Tents: Hired tents or tents including gazebos, staging, flooring, chairs and tables

What is covered under this section

The Insurer will cover the Insured, following loss or damage to tents up to the amount stated in the policy schedule, during the hire period and for which you have accepted responsibility.

What is not covered under this section

 (i)        Damage arising from erection or dismantling of any hired property

(ii)        Loss of or damage to the property Insured arising from wear and tear, deterioration, depreciation, confiscation or detention

(iii)        Damage to flooring caused by footwear

(iv)       Audio and visual entertainment equipment

All subject to a $250 deductible

Click Here to read to full policy terms, limitations and exclusions

Rented Equipment: What is included?

What is Rented Equipment: Including but not limited to cameras, sound and lighting equipment and portable electrical equipment.

The Insurer will cover the Insured, following loss or damage to rented equipment up to the amount stated in this policy schedule, during the hire period and for which you have accepted responsibility.

What is not covered under this section, Loss or Damage caused by:

  1. Wear and tear; any quality in the property that causes it to damage or destroy itself; hidden or latent defect; gradual deterioration; insects; vermin, or rodents; corrosion, rust, dampness, cold or heat; 
  1. Any work, process, experimentation, tests, repairing, restoration, conversion, or partial conversion, retouching, painting, cleaning or any other form of process performed or undertaken by the Insured or on the Insureds behalf or at the Insureds direction;
  1. Unexplained or mysterious disappearance or shortage found upon taking of inventory;
  1. Any electrical injury or disturbance to electrical appliances, devices, fixtures or wiring caused by electrical currents artificially generated, within the property or facilities you use in connection with the event;
  1. Damage to or destruction of property caused intentionally by the Insured or at the Insureds direction;
  1. Mechanical breakdown or derangement unless caused by a peril not otherwise excluded

All subject to a $500 deductible

Click Here to read to full policy terms, limitations and exclusions.

Our Venue requires a certificate. How does that happen?

Once coverage is purchased you will be provided a certificate that can be issued to your venue/location and vendors naming them as an additional insured.

My event type is not listed

If your event type is not listed, it may not be eligible to complete the purchase of insurance online. Please contact our office and we may be able to arrange a quote offline.

Please notedancemusicaltheatrical, or other performance events require a different kind of insurance coverage through our online SOLO Theatre program. If your event is not eligible for coverage through our SOLO program, please contact our office.

Is a liquor permit required in my Province?

If you are serving alcohol at your event, you may need to obtain a permit from the respective provincial governing body.  In order to determine if you need a permit / license please review the requirements in the province your event is being held in.  Suggested sites:

Newfoundland - https://www.nlliquor.com/corporate/services/apply-for-a-special-event-license

Nova Scotia - https://novascotia.ca/sns/access/alcohol-gaming/liquor/special-occasion-liquor-licenses.asp

PEI - https://liquorpei.com/licensing-permits/permits/

New Brunswick - https://www2.gnb.ca/content/gnb/en/departments/public-safety/services/services_renderer.200824.Liquor_Licences.html#serviceDescription

Quebec - https://www.racj.gouv.qc.ca/en/formulaires-et-publications/forms/alcohol/reunion-permits/application-for-a-reunion-permit.html(English)

https://www.racj.gouv.qc.ca/formulaires-et-publications/formulaires/alcool/permis-de-reunion/demande-de-permis-de-reunion.html(French)

Ontario - https://www.agco.ca/alcohol/special-occasion-permits-private-event

Manitoba - https://lgcamb.ca/liquor/social-occasion-liquor-permits/

Saskatchewan - https://www.slga.com/permits-and-licences/liquor-permits/special-occasion-permits

Alberta - https://aglc.ca/liquor/liquor-licences/applying-licence/liquor-licences-private-special-events

British Columbia - https://www2.gov.bc.ca/gov/content/employment-business/business/liquor-regulation-licensing/liquor-licences-permits/applying-for-a-liquor-licence-or-permit/special-event-liquor-permit

Yukon - http://www.ylc.yk.ca/permit.html

Northwest Territories - https://www.fin.gov.nt.ca/en/services/apply-nwt-liquor-permit/special-occasion-permits

Nunavut - https://www.gov.nu.ca/finance/information/special-occasion-permits

If we are the ones selling alcohol at our event, can we still get insurance?

The selling of alcohol requires a licence and primary liquor liability coverage. This is not available through the online program.

Businesses such as a restaurant, bar, club, conference centre or hotel where alcohol is sold or served must maintain primary liquor liability coverage.

Licenced caterers who serve alcohol, even when provided by the host of the event are required to maintain primary liquor liability.

Host liquor liability coverage is available through the online program.

Host liquor liability coverage does not cover you if you are in the business of serving or distributing alcoholic beverages.

HOST LIQUOR LIABILITY INSURANCE – CONSIDER IT FOR YOUR WEDDING

How do I provide proof of insurance to our venue or vendors?

Once you have purchased coverage, you will receive an email with the policy binder, policy wordings and a blank certificate.   You can use this blank certificate to issues certificates to the following parties only who are asking to be added as loss payee and/or additional insured:

  1. Lessors of premises Rented/Leased to the event(s).
  2. Equipment rental companies, but only with respect to the maintenance, operation or use of the equipment by the Named Insured.

 The full legal name and address of the party to whom the Certificate is issued should be typed into the appropriate location on the Certificate.  Under no circumstances should the Certificate wordings be altered, added to or amended in any way.

Honeymoon Cancellation Coverage - What is it?

HONEYMOON CANCELLATION

What is covered under this section:

Honeymoon: The holiday taken by the newly married couple within 90 days of the date of the wedding ceremony

The Insurer will cover the Insured, up to the amount shown on the binder of insurance issued online, if the Insureds pre-booked honeymoon is not taken as a direct result of the Insureds wedding being cancelled under the terms and conditions stated in this policy.

What is not covered under this section:

(a)          Any claim that is not supported by a valid travel insurance policy for all of the insured persons taking the honeymoon

Click Here to read to full policy terms, limitations and exclusions

Are you located outside of Canada?

This program is currently only available for Canadians and Canadian registered Companies.